DSCR Loans in Gilmer County, Georgia
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 75 lenders made 131 investment-property loans in Gilmer County, 0.6% of Georgia's total. Dominick Prevete arranges DSCR loans across Gilmer County, Georgia, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $220,000.
Gilmer County investor market at a glance
| Statistic | Gilmer County | Georgia | County rank |
|---|---|---|---|
| Investor loans | 131 | 21,364 | 36th of 43 |
| Reporting lenders | 75 | 586 | 22nd of 43 |
| Loan volume | $48.1M | $5.33B | 23rd of 43 |
| Average loan | $367K | $249K | 4th of 43 |
| Median loan | $325K | $205K | 3rd of 43 |
| Purchases | 80.9% | 57.3% | 2nd of 43 |
| Cash-out refinances | 6.1% | 17.5% | 42nd of 43 |
| 2–4 unit properties | 2.3% | 10.0% | 38th of 43 |
| Top five lenders' share | 26.0% | 18.5% | 36th of 43 |
| Reported business-purpose | 67.2% | 65.7% | 22nd of 43 |
Gilmer County: closed-end loans on 1–4 unit investment properties. Gilmer County's rank is highest first, among Georgia's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Gilmer County's investor loans.
What stands out in Gilmer County
80.9% of Gilmer County's investor loans were purchases, the 2nd-highest share of Georgia's 43 counties with published data (statewide: 57.3%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
6.1% of Gilmer County's investor loans were cash-out refinances, the 2nd-lowest share of Georgia's 43 counties with published data (statewide: 17.5%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
The median investor loan in Gilmer County was $325K, the 3rd-highest median of Georgia's 43 counties with published data (statewide: $205K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Does a DSCR loan pencil in Gilmer County?
At HUD's fair market rent of $1,363 for a 3-bedroom in Gilmer County, Georgia, a rental covers its full DSCR payment up to a purchase price of about $220,000, with 20% down at the 7.25% starting rate (November 2026). Gilmer County's median home value is $314,000; at that price the payment is $1,937 a month, so the property would need $1,950 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,047 / $1,363 / $1,750 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $314,000 |
| Median property taxes and effective rate | $1,109 (0.35% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,937 |
| Rent needed to cover that payment | $1,950 |
| Coverage of a 3-bedroom at fair market rent | 0.70 |
| Highest price a 3-bedroom at fair market rent covers | about $220,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Gilmer County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Gilmer County?
The most active investment-property lenders in Gilmer County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; CROSSCOUNTRY MORTGAGE, INC.; and NEWREZ LLC, out of 75 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including several that reported in Gilmer County, and matches each file to the one most likely to fund it.
Gilmer County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 131 loans and $48.1M from 75 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Gilmer County with 9 loans, 6.9% of the county's total, and the average Gilmer County loan of $367K compares with $249K across Georgia.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 9 | $2.5M | $283K | 88.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 8 | $2.6M | $321K | 100.0% |
| NEWREZ LLC | 7 | $3.8M | $544K | 85.7% |
| Rocket Mortgage, LLC | 6 | $1.6M | $273K | 50.0% |
| CHAMPIONS FUNDING, LLC | 4 | $1.4M | $353K | 75.0% |
| PENNYMAC LOAN SERVICES, LLC | 4 | $1.3M | $313K | 75.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 4 | $1.2M | $310K | 75.0% |
| A&D Mortgage LLC | 3 | $1.4M | $465K | 66.7% |
| First Reliance Bank | 3 | $1.3M | $435K | 100.0% |
| EVERETT FINANCIAL, INC. | 3 | $1.1M | $362K | 100.0% |
| KIND LENDING, LLC | 3 | $0.9M | $305K | 100.0% |
| United Community Bank | 3 | $0.8M | $265K | 66.7% |
| Hometown Equity Mortgage, LLC | 2 | $0.9M | $470K | 100.0% |
| FirstBank | 2 | $0.8M | $415K | 100.0% |
| GUARANTEED RATE, INC. | 2 | $0.8M | $415K | 100.0% |
| Tomo Mortgage, LLC | 2 | $0.8M | $405K | 100.0% |
| LEI:254900AH8L5ZM1JZET07 | 2 | $0.8M | $395K | 100.0% |
| Ameris Bank | 2 | $0.7M | $355K | 50.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | $0.7M | $340K | 100.0% |
| Kiavi Funding, Inc. | 2 | $0.5M | $240K | 100.0% |
| MILEND, INC. | 2 | $0.5M | $230K | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 2 | $0.4M | $200K | 100.0% |
| Renasant Bank | 2 | $0.1M | $40K | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | $1.9M | $1905K | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | $1.1M | $1105K | 0.0% |
617 Georgia loans (2.9%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Gilmer County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Gilmer County CSV, all 25 lenders
What Gilmer County's table can't show you: fit. Short-term financing is exempt from HMDA, so Gilmer County's fix-and-flip and bridge lenders barely appear among its 75 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including several on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Gilmer County, Georgia deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Gilmer County, Georgia property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Gilmer County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 75 lenders and 131 loans: 2025 HMDA loan-level data rolled up to Gilmer County.
- Gilmer County investor-lender dataset (CSV) — All 25 lenders in the Gilmer County, Georgia table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Gilmer County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Gilmer County, GA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Gilmer County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.